Capital loan (pääomalaina)
A subordinated capital loan under the Finnish Companies Act that strengthens the balance sheet: it counts as equity in the equity-ratio assessment, which… Typical amount: case-by-case (interest often 8–15%; paid only from distributable funds).
Facts last verified 23.7.2026
A subordinated capital loan under the Finnish Companies Act that strengthens the balance sheet: it counts as equity in the equity-ratio assessment, which unlocks bank lending and public funding that require a healthy own share.
Key facts
- Provider: Owners & investors
- Type: Loan
- Typical amount: case-by-case
- Rate / terms: interest often 8–15%; paid only from distributable funds
- Legal basis: Market terms / Companies Act
- Who it is for: Micro to large companies · investment, working capital, R&D, starting up
How to apply
There is no application form here — this is a negotiation. Banks assess repayment ability and collateral: bring up-to-date financials, a cash-flow forecast, and a clear use of funds. Investors assess the growth story: bring evidence of traction and a defensible view of the market.
Competition works in your favour. Terms for loans, leasing, factoring and investment vary widely between providers, and a second offer is the strongest negotiating tool there is.
Public instruments often stack with market financing — a Finnvera guarantee can turn a bank's no into a yes, and a grant-funded project makes the investor case stronger.
Frequently asked questions
How much funding does Capital loan (pääomalaina) provide?
Typical amount: case-by-case. Support level / terms: interest often 8–15%; paid only from distributable funds.
Who can apply for Capital loan (pääomalaina)?
Provider: Owners & investors. Company size: micro, small, medium, midcap, large. Typical use: investment, working capital, R&D, starting up.
On what legal basis is Capital loan (pääomalaina) granted?
Market terms / Companies Act.
Indicative screening information, not advice. Amounts and rules change, so confirm the current terms and eligibility with the provider before you rely on them.
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